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Chronic Car Buyers Anonymous (Archived)

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  • oldfarmer50oldfarmer50 Member Posts: 24,198
    kyfdx said:

    Small scrape on the bumper of my wife's X3. Found it after parking in a downtown garage. On the plastic cover, and the black plastic wheel opening molding.

    She insists we fix it.. :s

    any guesses on the estimate?

    I had a bumper cover repainted for $300 some years ago. A tiny dent and blend on a door cost me $800 recently. Inflation.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • oldfarmer50oldfarmer50 Member Posts: 24,198

    In case anyone is curious, my buyout is $42,163 and Vroom offered $51,000 for it. Still not flipping it.

    Are there really that many “gotta havitts” out there that would pay over $51k for a $42k vehicle? What’s going on?

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @xwesx said:
    We could hope, yes. However, it all depends on the comparison. If you're comparing to other Wranglers, then yes. If you're comparing to other EVs, like a Model S, then... no.

    It’s a hybrid not an EV.

    I will choose to compare it to a monster truck since I can choose. :)

    Compared to a regular Sahara I think the 4xe would be less likely to roll over.

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @sda said:
    Look at what you've created, a Jeep monster! Good thing you aren't a bad influence.

    It’s not @28firefighter , it’s this group. I didn’t have a problem until I joined this group, I swear :)

    First the TDI and now the 4xe. You guys are a bad influence :)

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @nyccarguy said:

    Out with the OEM Toyo Open Country A30s with 40,500 ish miles on them.

    Wasn’t this a 24k mile lease?

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @roadburner said:

    @28firefighter said:
    The only thing even remotely interesting about ordering another Jeep is getting the Sky One Touch roof instead of the hard top. But I wonder if it wouldn't get really annoying in winter and in general on the highway.

    I’d pay extra to delete that option.

    I think it is a neat concept especially since you have the roll bar. I just don’t see it being that great unless you live in a warm climate area. It would be a leaky mess where I live.

  • mjfloyd1mjfloyd1 Member Posts: 3,806
    edited July 2021

    @nyccarguy said:

    And on with the new Michelin Defender LTX M/S tires.

    Uh oh, they only gave you three new tires. You got the Taco Tripod Edition - very rare like 1988 Mariah Carey hair (Downtown).

    You will have to Google “downtown Macklemore”, then listen carefully for the lyrics “very rare like 1988 Mariah Carey hair”.

    The video is incredibly stupid yet addicting

  • MichaellMichaell Moderator Posts: 262,197
    mjfloyd1 said:

    @nyccarguy said:

    Out with the OEM Toyo Open Country A30s with 40,500 ish miles on them.

    Wasn’t this a 24k mile lease?


    per year :stuck_out_tongue:

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  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @oldfarmer50 said:
    Are there really that many “gotta havitts” out there that would pay over $51k for a $42k vehicle? What’s going on?

    Shake my head.

    The lease buyout is $42k, The MSRP was in the low $50’s so I suspect the $51k offer from Vroom is less than MSRP

  • au1994au1994 Member Posts: 3,702
    mjfloyd1 said:

    @roadburner said:

    @28firefighter said:

    The only thing even remotely interesting about ordering another Jeep is getting the Sky One Touch roof instead of the hard top. But I wonder if it wouldn't get really annoying in winter and in general on the highway.

    I’d pay extra to delete that option.

    I think it is a neat concept especially since you have the roll bar. I just don’t see it being that great unless you live in a warm climate area. It would be a leaky mess where I live.


    The rear quarter windows come out too but I have never seen one with them off. I do see a few running around with it rolled all the way back. Probably nice but again, not worth the 4k adder.

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • oldfarmer50oldfarmer50 Member Posts: 24,198
    mjfloyd1 said:

    @oldfarmer50 said:

    Are there really that many “gotta havitts” out there that would pay over $51k for a $42k vehicle? What’s going on?

    Shake my head.

    The lease buyout is $42k, The MSRP was in the low $50’s so I suspect the $51k offer from Vroom is less than MSRP


    Ok, got it.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    Vroom may indeed end up asking more than MSRP. Demand > supply

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @au1994 said:
    The rear quarter windows come out too but I have never seen one with them off. I do see a few running around with it rolled all the way back. Probably nice but again, not worth the 4k adder.

    I think the rear windows are bigger than the freedom panels so there’s that - storage issues

  • explorerx4explorerx4 Member Posts: 20,723
    edited July 2021
    nyccarcar was shopping for 3 mismatched rims to go with his 3 tires.
    ...and you can park anywhere if you have an orange cone. :D
    2024 Ford F-150 STX, 2023 Ford Explorer ST, 91 Mustang GT vert
  • au1994au1994 Member Posts: 3,702
    mjfloyd1 said:

    @au1994 said:

    The rear quarter windows come out too but I have never seen one with them off. I do see a few running around with it rolled all the way back. Probably nice but again, not worth the 4k adder.

    I think the rear windows are bigger than the freedom panels so there’s that - storage issues


    True. I have been threatened with losing an appendage or 2 if I don’t keep this for the whole lease term so I am considering getting a soft top and hoist. Probably won’t do it till next spring. I’ll miss the ease of top down driving in the nice fall days but would be ready for next spring. My ETA is probably not going to be till Labor Day anyway.

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @au1994 said:
    True. I have been threatened with losing an appendage or 2 if I don’t keep this for the whole lease term so I am considering getting a soft top and hoist. Probably won’t do it till next spring. I’ll miss the ease of top down driving in the nice fall days but would be ready for next spring. My ETA is probably not going to be till Labor Day anyway.

    Here is a hint - do not let @xwesx choose the appendage that you will lose :)

  • au1994au1994 Member Posts: 3,702

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • 28firefighter28firefighter Member Posts: 9,825
    New car inventory is incredibly low for people who want to buy off the lot. My guess is there is a non-zero number of people that would happily buy a 1000 mile example of a brand new model for slightly less than MSRP in return for not having to wait a 2 months to get a car.

    I think it is crazy but the market is what it is.
    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • jmonroe1jmonroe1 Member Posts: 9,327
    @xwesx, I decided to take a peek in here the other day and saw that your grandmother had passed. Definitely not a pleasant thing for sure. My fathers mother lived with us for a few years before she died when I was in high school. I think she was a little over 80. Still have lots of fond memories of her. Im sure you have those too. All we can do is think back on the good times.

    Happy thoughts will get you through it.

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • stickguystickguy Member Posts: 53,347
    lot of miles on that Taco.

    I should have gotten one of those Jeeps. and I don't think I even want one!

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @stickguy said:
    lot of miles on that Taco.

    I should have gotten one of those Jeeps. and I don't think I even want one!

    Who cares when you could have flipped it for a $9k profit?

  • henrynhenryn Member Posts: 4,289
    edited July 2021
    mjfloyd1 said:

    @stickguy said:

    lot of miles on that Taco.

    I should have gotten one of those Jeeps. and I don't think I even want one!

    Who cares when you could have flipped it for a $9k profit?


    ---------------------end of quoted material---------------------

    I never thought I would like a Passat TDI, I just got in it for the money. But at the end of the day, I enjoyed owning the car and kind of missed it when it was gone.

    I don't know about that 4XE. After reading the article in Car and Driver, I have grave doubts. But sometimes things grow on you...
    2023 Chevrolet Silverado, 2019 Chrysler Pacifica
  • henrynhenryn Member Posts: 4,289
    au1994 said:
    Now that's very interesting, very interesting indeed. Even if true, even if a LOT of Ford pickups start showing up on dealer lots, that doesn't do anything for the rest of the industry. Not everyone wants or needs a pickup truck.
    2023 Chevrolet Silverado, 2019 Chrysler Pacifica
  • jmonroe1jmonroe1 Member Posts: 9,327
    henryn said:

    stickguy said:

    there is a dealer in Kansas that posts good videos on YouTube that says they are doing reservations at straight MSRP, no add-ons (just a pretty low doc fee), but they will ship anywhere for nothing (up to $1,000 shipping cost). So you would save having it shipped from there instead of a dealer elsewhere that might be slightly cheaper buy you pay shipping.

    Let’s do the numbers here. For a Maverick XL, with the 2.0L engine and the towing package, you wind up at $23,435 MSRP. If you can get 4% off that, the discount would be $937. If the other dealer sells at MSRP (no discount), but will ship for free, that gives him $937 to spend on the shipping.

    The best of both worlds would be to find a dealer local to you who would give you the $900 discount off of MSRP. Nice dream. :)


    There has to be some buyers who are local to the discount dealer/s. I’d say a wise move would be to make friends with those local buyers. B)

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @henryn said:
    ---------------------end of quoted material---------------------

    I never thought I would like a Passat TDI, I just got in it for the money. But at the end of the day, I enjoyed owning the car and kind of missed it when it was gone.

    I don't know about that 4XE. After reading the article in Car and Driver, I have grave doubts. But sometimes things grow on you...

    It is all about expectations. If you expect a wrangler you will be fine. If you expect a Lexus, you will be disappointed

  • henrynhenryn Member Posts: 4,289
    nyccarguy said:


    And on with the new Michelin Defender LTX M/S tires.

    That looks like a soft tri-fold tonneau cover? I usually put one of those on all my trucks, a very handy thing to have. I haven't put one on this work truck, as it has an 8' bed. The soft tri-fold for 6.5' or 5.5' only run me about $250, but one for the 8' bed is much harder to find and much more expensive.
    2023 Chevrolet Silverado, 2019 Chrysler Pacifica
  • jmonroe1jmonroe1 Member Posts: 9,327
    kyfdx said:

    Small scrape on the bumper of my wife's X3. Found it after parking in a downtown garage. On the plastic cover, and the black plastic wheel opening molding.

    She insists we fix it.. :s

    any guesses on the estimate?

    You know what they say when you have to ask. :'(

    jmonroe
    '15 Genesis Ultimate just like jmonroe's.
    '18 Legacy Limited with 3.6R (Mrs. j's)
  • stickguystickguy Member Posts: 53,347
    if I did get one would be to keep. though if the $9k deal actually existed once it was eligible it would be hard to say no. Especially if the wife hated it or something!

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • nyccarguynyccarguy Member Posts: 17,496

    @henryn

    As the Tacoma is my 1st pickup, I’ve learned what I do like in the less than 2 years it’s been mine thus far.

    The 6’ bed is a must for me. It comes in handy on a weekly basis at work where I’ve been using it as a primary delivery vehicle. Bathtubs, Toilets, Sinks & Vanity Cabinets, boxes of garbage bags (I sell to land lords), 5 gallon buckets, & NYC Approved Fire Escape Gates all fit. Personally it’s come in handy as well. I’ve never said: “this thing is too big.” I don’t think I’d love it as much if it had the standard 5’ bed.

    The tri fold hard tonneau cover has been great too. Covers my cargo tightly and very securely. I wouldn’t own another pickup without a cover or with a soft cover.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD

  • oldfarmer50oldfarmer50 Member Posts: 24,198
    au1994 said:
    That’s good news. The ship may have sailed on those incredible Carvana offers.

    2019 Kia Soul+, 2015 Mustang GT, 2013 Ford F-150, 2000 Chrysler Sebring convertible

  • andres3andres3 Member Posts: 13,934
    edited July 2021
    Speaking of tires and wheels, I think I exaggerated the damage to my new (to me) set of wheels and barely used Michelin PS4S tires. Sure, the outer lip of the wheel is completely scraped-up, but 90% of the damage is limited to the lip; I'm sure the wheel's fine on second thought. Just a bit aesthetically screwed up, but from afar it looks OK!




    Can't wait to get them on; they will transform my S4 from a daily driver to a canyon carving beast. Probably the best performance tire ever produced for the street.
    '18 Porsche Macan Turbo, '16 Audi TTS, Wife's '19 VW Tiguan SEL 4-Motion
  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @henryn said:
    That looks like a soft tri-fold tonneau cover? I usually put one of those on all my trucks, a very handy thing to have. I haven't put one on this work truck, as it has an 8' bed. The soft tri-fold for 6.5' or 5.5' only run me about $250, but one for the 8' bed is much harder to find and much more expensive.

    Of course the Taco Tripod Edition will come with a tri fold tonneau cover :)

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @andres3 said:
    Speaking of tires and wheels, I think I exaggerated the damage to my new (to me) set of wheels and barely used Michelin PS4S tires. Sure, the outer lip of the wheel is completely scraped-up, but 90% of the damage is limited to the lip; I'm sure the wheel's fine on second thought. Just a bit aesthetically screwed up, but from afar it looks OK!

    Can't wait to get them on; they will transform my S4 from a daily driver to a canyon carving beast. Probably the best performance tire ever produced for the street.

    Ahh. The peelers (don’t they look like a potato peeler??).

    I’m digging the bike…I remember those days fondly

  • au1994au1994 Member Posts: 3,702
    mjfloyd1 said:

    @henryn said:

    ---------------------end of quoted material---------------------

    I never thought I would like a Passat TDI, I just got in it for the money. But at the end of the day, I enjoyed owning the car and kind of missed it when it was gone.

    I don't know about that 4XE. After reading the article in Car and Driver, I have grave doubts. But sometimes things grow on you...

    It is all about expectations. If you expect a wrangler you will be fine. If you expect a Lexus, you will be disappointed


    I read the C&D article and discounted it. You can tell from his tone he just doesn’t care for Wranglers in any configuration.

    It’s still a brick but if I can drive a near 60k brick for these lease prices, I am more than happy to do so. I’ll be able to do my errands on electricity and if my wife wants to take it to work, she could go 2 days without a charge. We are convertible people so being able to do this with the wind in your hair is a bonus.

    Jeeps have had great resale even before this market craziness so there’s a chance there may be some equity in 3 years. Will it be 9k? Probably not but maybe a couple of grand to roll toward another lease.

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • kyfdxkyfdx Moderator Posts: 265,616
    The main thing holding me back from trying to flip the Wrangler:

    1) 6-8 weeks for delivery.
    2) 4-6 weeks for CCAP to get it registered, while on temporary tag
    3) 4-6 weeks more to get the actual title from the state.

    = 14-20 weeks before I can realistically sell it.

    Even if it goes perfectly, almost 3 months. That's October, and the 2022s will be out.

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  • au1994au1994 Member Posts: 3,702
    when I ordered mine I was told they will not start building 22’s until December.

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • breldbreld Member Posts: 6,918
    edited July 2021
    Agreed on the Wrangler assessment that as long as you’re expecting it to drive, you know, like a Wrangler, there won’t be any surprises, and you may even be pleasantly surprised.

    My question is this…is the PHEV powertrain the appealing part or is it the deal (and potential flip opportunity)? In other words, if the discounts and lease deal were the same across the model line, would you still pick the 4xE?

    From his initial reviews, seems @28firefighter has already answered that.

    2024 Audi Q8 e-tron - 2017 911 C4S - 2025 BRZ - 2023 A6 Allroad - 2024 Genesis GV60 - 2019 Cayman

  • nyccarguynyccarguy Member Posts: 17,496
    kyfdx said:

    The main thing holding me back from trying to flip the Wrangler:

    1) 6-8 weeks for delivery.
    2) 4-6 weeks for CCAP to get it registered, while on temporary tag
    3) 4-6 weeks more to get the actual title from the state.

    = 14-20 weeks before I can realistically sell it.

    Even if it goes perfectly, almost 3 months. That's October, and the 2022s will be out.

    You know, I didn't even take into account the fact that the 2022s will be out sooner rather than later. If I was in a position (if our Pilot was paid off) where I could eat the payment and enjoy the Wrangler for a year - a year & a half I'd go ahead and order one of these 4xe Wranglers. Believe me, those big sidewall tires on 17" Wheels on a Rubicon would be perfect for my wife. She curbed the RF wheel and sliced the sidewall again. It didn't go through, but I'm still going to have to replace the tire. I plan on sitting this one out.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD

  • mjfloyd1mjfloyd1 Member Posts: 3,806

    @28firefighter said:
    I'm getting the vibe that you all think I should flip my Jeep.

    Well not flip it in the @xwesx sense… :)

  • au1994au1994 Member Posts: 3,702
    edited July 2021
    breld said:

    Agreed on the Wrangler assessment that as long as you’re expecting it to drive, you know, like a Wrangler, there won’t be any surprises, and you may even be pleasantly surprised.

    My question is this…is the PHEV powertrain the appealing part or is it the deal (and potential flip opportunity)? In other words, if the discounts and lease deal were the same across the model line, would you still pick the 4xE?

    From his initial reviews, seems @28firefighter has already answered that.

    For me it was a couple of things. Having had a Wrangler before, the itch is always still there so if for whatever reason there was a 7500 rebate across the board, I probably would have gone conventional ICE. The hybrid part is a bonus to me and yours and others toe dipping into the EV and PHEV world were enough push to give it a try and I do think I will see some great benefits.

    With the used market through the roof, the ability to order under invoice and a bad case of the ‘wants’, the stars and moons aligned for a good opportunity.

    2024 Jeep Grand Cherokee L Limited Velvet Red over Wicker Beige
    2024 Audi Q5 Premium Plus Daytona Gray over Beige
    2017 BMW X1 Jet Black over Mocha

  • 28firefighter28firefighter Member Posts: 9,825

    I saw 375 hp and was sold. For the same price I’d happily take a 392…

    2025 Jetta GLI Autobahn, 2024 Jeep Grand Cherokee 4xE
  • nyccarguynyccarguy Member Posts: 17,496
    breld said:

    Agreed on the Wrangler assessment that as long as you’re expecting it to drive, you know, like a Wrangler, there won’t be any surprises, and you may even be pleasantly surprised.

    My question is this…is the PHEV powertrain the appealing part or is it the deal (and potential flip opportunity)? In other words, if the discounts and lease deal were the same across the model line, would you still pick the 4xE?

    From his initial reviews, seems @28firefighter has already answered that.

    The $7,500 lease incentive that's being passed on from CCAP is what makes the 4xe so appealing to lease. Regardless of whether or not you plan on flipping it. There are rarely (if ever) incentives on Wranglers. People are leasing these $50K+ 4Xe for less than a Wrangler Sport S.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD

  • qbrozenqbrozen Member Posts: 33,736
    edited July 2021
    breld said:

    Agreed on the Wrangler assessment that as long as you’re expecting it to drive, you know, like a Wrangler, there won’t be any surprises, and you may even be pleasantly surprised.

    My question is this…is the PHEV powertrain the appealing part or is it the deal (and potential flip opportunity)? In other words, if the discounts and lease deal were the same across the model line, would you still pick the 4xE?

    From his initial reviews, seems @28firefighter has already answered that.

    If the lease deal were the same across the model line, I'd get the 392, hands down. LOL. But if you mean to say the same relative to MSRP, and if actually for myself ... I'm not sure. If I configure a V6 Sahara with the leather, cold weather, automatic, hard top, etc, it comes to almost $6k cheaper than my 4xe build. From what I know, it is up to 1 sec slower vs the 4xe. Gas mileage improvement is probably pretty minimal in real life. Maybe 20%? At, let's say, 1k miles/mo @ 20mpg vs @ 25mpg, that's 10 gals difference. At $3.29/gal, that's $33. All else being equal for a lease, we're talking $50/mo difference for the MSRP difference, very very rough estimate. Subtract the fuel savings and it is $17/mo. So would I pay $17/mo for the 1 sec 0-60 and fewer fuel stops? Yeah, I would.

    '11 GMC Sierra 1500; '98 Alfa 156 2.0TS; '08 Maser QP; '67 Coronet R/T; '13 Fiat 500c; '20 S90 T6; '22 MB Sprinter 2500 4x4 diesel; '97 Suzuki R Wagon; '96 Opel Astra; '11 Mini Cooper S

  • stickguystickguy Member Posts: 53,347
    Bradd, how’s the Pilot doing after the oil scare?

    On the wrangler, I thought the $7,500 was federal EV tax credit. Is there also a lease credit on top of that?

    2020 Acura RDX tech SH-AWD, 2023 Maverick hybrid Lariat luxury package.

  • nyccarguynyccarguy Member Posts: 17,496
    qbrozen said:

    breld said:

    Agreed on the Wrangler assessment that as long as you’re expecting it to drive, you know, like a Wrangler, there won’t be any surprises, and you may even be pleasantly surprised.

    My question is this…is the PHEV powertrain the appealing part or is it the deal (and potential flip opportunity)? In other words, if the discounts and lease deal were the same across the model line, would you still pick the 4xE?

    From his initial reviews, seems @28firefighter has already answered that.

    If the lease deal were the same across the model line, I'd get the 392, hands down. LOL. But if you mean to say the same relative to MSRP, and if actually for myself ... I'm not sure. If I configure a V6 Sahara with the leather, cold weather, automatic, hard top, etc, it comes to almost $6k cheaper than my 4xe build. From what I know, it is up to 1 sec slower vs the 4xe. Gas mileage improvement is probably pretty minimal in real life. Maybe 20%? At, let's say, 1k miles/mo @ 20mpg vs @ 25mpg, that's 10 gals difference. At $3.29/gal, that's $33. All else being equal for a lease, we're talking $50/mo difference for the MSRP difference, very very rough estimate. Subtract the fuel savings and it is $17/mo. So would I pay $17/mo for the 1 sec 0-60 and fewer fuel stops? Yeah, I would.
    I think it would be a wash for me. Obviously faster is better. Fewer fuel stops is better. In CT, the "regular" Wrangler (assuming I can keep the selling price under $50K) would be taxed at 6.35% while a 4Xe Wrangler (assuming a selling price over $50K) would be taxed at 7.75%.

    2001 Prelude Type SH, 2022 Highlander XLE AWD, 2025 Camry SE AWD

  • kyfdxkyfdx Moderator Posts: 265,616
    stickguy said:

    Bradd, how’s the Pilot doing after the oil scare?

    On the wrangler, I thought the $7,500 was federal EV tax credit. Is there also a lease credit on top of that?

    CCAP passing along the tax credit as a rebate. Lessees don't get a tax credit

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